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First Guaranty Bancshares
(NASDAQ:FGBI)
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Rating:44Neutral
Price Target:
$7.50
▼(-7.75% Downside)
Action:Reiterated
Date:09/11/26
The score is weighed down primarily by weak financial performance (ongoing losses and declining revenue) and bearish technicals (below key moving averages with negative MACD). Regulatory pressure from the consent order further elevates risk, while improved cash flow and modest dividend yield provide only partial support.
Positive Factors
Positive Cash Generation
TTM operating cash flow of about $54.5M and free cash flow of about $53.2M provide internally generated funding despite reported losses. If sustained, this can support liquidity, regulatory remediation and investment without relying solely on external capital.
Negative Factors
Persistent Losses
TTM net loss of about $36.4M, negative operating profitability and revenue down about 12.7% show that the core earnings engine remains impaired. Losses narrowed from 2025, but continued negative margins weaken capital generation and limit capacity to fund growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Positive Cash Generation
TTM operating cash flow of about $54.5M and free cash flow of about $53.2M provide internally generated funding despite reported losses. If sustained, this can support liquidity, regulatory remediation and investment without relying solely on external capital.
Read all positive factors
First Guaranty Bancshares (FGBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$129.83M
Dividend Yield0.49%
Average Volume (3M)17.55K
Price to Earnings (P/E)―
Beta (1Y)0.41
Revenue Growth-8.66%
EPS Growth-155.96%
CountryUS
Employees333
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-2.85
Shares Outstanding16,539,095
10 Day Avg. Volume15,847
30 Day Avg. Volume17,550
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.33
Price to Sales (P/S)0.38
P/FCF Ratio-7.53
Enterprise Value/Market Cap>-0.01
Enterprise Value/Revenue>-0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.4
Revenue Forecast (FY)N/A
First Guaranty Bancshares Business Overview & Revenue Model
Company Description
First Guaranty Bancshares, Inc. functions as the parent company for First Guaranty Bank, a financial institution delivering commercial banking services primarily across Louisiana and Texas. The bank offers a comprehensive suite of deposit products...
How the Company Makes Money
FGBI primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is driven by the spread between (1) interest earned on interest-earning assets—principally loans (e.g.,...
First Guaranty Bancshares Financial Statement Overview
Summary
Income Statement
24
Negative
Balance Sheet
46
Neutral
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 188.93M | 195.96M | 244.78M | 191.78M | 145.84M | 120.92M |
| Gross Profit | 37.73M | -12.11M | 91.47M | 89.76M | 105.64M | 96.56M |
| EBITDA | -42.28M | -64.27M | 20.44M | 15.92M | 40.50M | 39.23M |
| Net Income | -36.38M | -56.02M | 12.45M | 9.22M | 28.88M | 27.30M |
Balance Sheet | ||||||
| Total Assets | 3.90B | 4.08B | 3.97B | 3.55B | 3.15B | 2.88B |
| Cash, Cash Equivalents and Short-Term Investments | 1.99B | 845.70M | 845.13M | 369.60M | 214.25M | 472.37M |
| Total Debt | 186.28M | 186.13M | 201.92M | 275.40M | 183.37M | 49.63M |
| Total Liabilities | 3.67B | 3.85B | 3.72B | 3.30B | 2.92B | 2.65B |
| Stockholders Equity | 227.35M | 226.22M | 255.05M | 249.63M | 234.99M | 223.89M |
Cash Flow | ||||||
| Free Cash Flow | 53.16M | -9.98M | 30.68M | 6.76M | 34.22M | 24.32M |
| Operating Cash Flow | 54.53M | -8.28M | 33.73M | 21.71M | 36.87M | 26.52M |
| Investing Cash Flow | 31.82M | 129.90M | -142.07M | -206.09M | -467.91M | -452.64M |
| Financing Cash Flow | -19.65M | 159.88M | 386.09M | 387.61M | 252.33M | 388.45M |
First Guaranty Bancshares Technical Analysis
Negative
8.13
Price Trends
9.12
Negative
9.37
Negative
8.49
Negative
Market Momentum
-0.27
Positive
43.22
Neutral
18.94
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FGBI, the sentiment is Negative. The current price of 8.13 is below the 20-day moving average (MA) of 8.46, below the 50-day MA of 9.12, and below the 200-day MA of 8.49, indicating a bearish trend. The MACD of -0.27 indicates Positive momentum. The RSI at 43.22 is Neutral, neither overbought nor oversold. The STOCH value of 18.94 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FGBI.
First Guaranty Bancshares Risk Analysis
First Guaranty Bancshares disclosed 50 risk factors in its most recent earnings report. First Guaranty Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
First Guaranty Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $199.98M | 14.21 | 7.20% | ― | 34.21% | ― | |
69 Neutral | $185.54M | 18.81 | 5.68% | 1.11% | 0.32% | 84.94% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $178.90M | 10.92 | 8.36% | 2.59% | 1.82% | 27.47% | |
44 Neutral | $129.83M | -3.19 | -16.19% | 0.49% | -8.66% | -155.96% |
* Financial Sector Average
FGBI
First Guaranty Bancshares
7.95
-0.16
-1.91%
EBMT
Eagle Bancorp Montana
22.40
5.56
33.01%
RBKB
Rhinebeck Bancorp
12.82
3.46
37.01%
FNWD
Finward Bancorp
43.17
11.49
36.25%
ECBK
ECB Bancorp, Inc.
21.21
5.07
31.41%
First Guaranty Bancshares Corporate Events
Dividends
First Guaranty Bancshares Declares Quarterly Cash Dividend
Positive
Sep 10, 2026
On August 20, 2026, the Board of Directors of First Guaranty Bancshares, Inc. declared a quarterly cash dividend of $0.01 per share on its outstanding common stock, payable to shareholders of record as of September 25, 2026 and scheduled for payme...
Legal ProceedingsRegulatory Filings and Compliance
First Guaranty Bancshares Enters Capital-Focused Consent Order
Negative
Aug 7, 2026
On August 7, 2026, First Guaranty Bank entered into a consent order with the Federal Deposit Insurance Corporation and the Louisiana Office of Financial Institutions, stemming from a joint regulatory examination completed on September 2, 2025. The...
Business Operations and StrategyM&A Transactions
First Guaranty Bancshares Exits Texas Operations After Sale
Neutral
Aug 6, 2026
First Guaranty Bancshares, Inc. announced that its subsidiary, First Guaranty Bank, completed the sale of its Texas operations to Armstrong Bank on July 31, 2026. The transaction included five branches along with approximately $234 million in depo...
Dividends
First Guaranty Bancshares Declares Quarterly Preferred Dividend
Positive
Aug 5, 2026
On July 16, 2026, First Guaranty Bancshares, Inc. announced that holders of its depositary shares, each representing a 1/40th interest in its 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock, would receive a quarterly cash distri...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.